How to Apply​

Be at 20-65 years of age and older (not older than 75 years old for current customers)

Have operated a business for more than 3 years

Possess no record of over-30-day outstanding debts in the past 12 months

Businesses that have undergone debt restructuring may apply if the debt restructuring contract was executed at least 36 months prior to application.

Not currently considered NPL by any financial institution during the 36 months prior to application.

Have never been sued, sentenced guilty in any monetary cases. Borrowers’ assets and properties must never been confiscated. Borrowers must have never been declared bankruptcy or received an automatic stay

Required Documents​

Private Individuals

Copy of the national ID card of the applicant, spouse, guarantor, and collateral owner

Copy of the house registration of the applicant, spouse, guarantor, and collateral owner

Copy of a marriage or divorce certificate or spouse's death certificate (if any)

Copy of a name-surname change certificate of the applicant, spouse, guarantor, or collateral owner (if any)

Copy of the business registration and / or other government-issued documents

Documents showing the income of the business such as account statements, bills, etc.

Qualifications of the borrowers, e.g., knowledge, skills, experience, debt repayment history, and honesty in conducting business

Debt repayment servicing ability of the borrowers

Collateral

Other criteria, on a case-by-case basis

Can I apply for a loan if I have no collateral?

Yes, the Bank offers certain loan products for SMEs that have no collateral.

Can I apply for a loan if I have no guarantor?

Yes, certain types of loans do not require personal guarantees. Under the cooperation between the Bank and theThai Credit Guarantee Corporation (TCG), TCG can act as a loan guarantor for you.

Do I need to have a business to be eligible for a loan application?

Yes, you must operate your business for at least one year, with the exception of franchise and apartment businesses.

Can I apply for a loan if I have not registered my business, or my business registration is less than one year old?

Yes, if you have operated your business for at least one year, though reliable documents are required. For those having no or less than one year of business experience, the Bank offers special conditions for loan applications for franchise and apartment businesses.